Oh pants I messed up BIG!!!

Broke_Bear

Thanks Enthusiastic saver and Hugheskevi I do have a lot to think about.  I will be maxing out this years isa allowance and putting the rest into a high interest savings account while I contemplate what to do.  Hugheskevi, thanks for the list there were a couple of things on there I hadn't thought of so will take them on board - both Hubby and I are mid 40's so LISA is out, will be looking at other options.

I need to review my budgets and tweak some things in the meantime to take account of a slightly higher income due to pay rise.  Although I still feel like I have less in my wages with everything being so expensive at the moment.  I think I need to create more margin into what I save each month as that figure has been dwindling lately.  I need to get my head back into it as I think the spendiness has been creeping back in over the last 18 months for some reason.  It is payday on Thursday (we get paid every 4 weeks rather than every month) and I want to get back in the habit of living off 4 weeks pay for a calendar month so really there is another 10 days on my current bank balance of approx £150.  I will likely need more petrol and a couple of other bits and bobs but going to see if I can get there with about £100 left to throw into savings (I already put £100 in there from this months wages at the start of the month as I 'pay myself first').  

In other news I have an essay to write this weekend so other than a couple of nice walks with the pupper I will be tied to the computer.  Also need to find time to get back on top of the housework - its a bomb site considering only 2 grown adults live here I'm embarrassed and its getting both OH and me down.  there just doesn't seen to be enough hours in the day anymore   

MFWannabe

Broke_Bear said:

Thanks Enthusiastic saver and Hugheskevi I do have a lot to think about.  I will be maxing out this years isa allowance and putting the rest into a high interest savings account while I contemplate what to do.  Hugheskevi, thanks for the list there were a couple of things on there I hadn't thought of so will take them on board - both Hubby and I are mid 40's so LISA is out, will be looking at other options.

I need to review my budgets and tweak some things in the meantime to take account of a slightly higher income due to pay rise.  Although I still feel like I have less in my wages with everything being so expensive at the moment.  I think I need to create more margin into what I save each month as that figure has been dwindling lately.  I need to get my head back into it as I think the spendiness has been creeping back in over the last 18 months for some reason.  It is payday on Thursday (we get paid every 4 weeks rather than every month) and I want to get back in the habit of living off 4 weeks pay for a calendar month so really there is another 10 days on my current bank balance of approx £150.  I will likely need more petrol and a couple of other bits and bobs but going to see if I can get there with about £100 left to throw into savings (I already put £100 in there from this months wages at the start of the month as I 'pay myself first').  

In other news I have an essay to write this weekend so other than a couple of nice walks with the pupper I will be tied to the computer.  Also need to find time to get back on top of the housework - its a bomb site considering only 2 grown adults live here I'm embarrassed and its getting both OH and me down.  there just doesn't seen to be enough hours in the day anymore   

I could have written the last few sentences reference housework
Im not sure where the time goes at weekends and we seriously need a major declutter 
it gets us down too 😞